Core capital in SPYI + QQQI (covered call ETFs, ~13% blended yield). Monthly dividends auto-invest into QLD + USD (2× Nasdaq/Semis) via IBKR — zero daily monitoring. 2014–2024 proxy backtest: $93K → $942K (10.1×). $300/month DCA: $39.6K → $153K, IRR 13.1%. Rebalance twice a year.